42806 Cougar RdBig Bear LakeCA92315
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 42806 Cougar Rd, Big Bear Lake, CA, 92315 in Big Bear Lake at $399,000 earns $2,516/mo in rent and nets $48/mo after the $1,794/mo payment, a 7.57% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $110,236 over five years. Ziffy Mortgage underwrites this on a 1.40 DSCR without U.S. credit history. With $3,675/yr in principal paydown, total projected return reaches $154,385.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.0% |
| Monthly Cash Flow | $48 | $1,200 |
City averages based on Big Bear Lake market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,516 |
| Total Monthly Debt Service | $2,310 |
| DSCR Ratio | 1.09x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1975
3,164 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92315, Big Bear Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,119 (100%) |
| Owner Occupied HU | 1,446 (14.3%) |
| Renter Occupied HU | 998 ( 9.9%) |
| Vacant Housing Units | 7,675 (75.8%) |
| Median Home Value | $727,355 |
| Average Home Value | $783,110 |
Housing Distribution
Address Breakdown
Residential
742
Single Family
742
Multi-Family
0
Businesses
303
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1975
3,164 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92315, Big Bear Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,119 (100%) |
| Owner Occupied HU | 1,446 (14.3%) |
| Renter Occupied HU | 998 ( 9.9%) |
| Vacant Housing Units | 7,675 (75.8%) |
| Median Home Value | $727,355 |
| Average Home Value | $783,110 |
Housing Distribution
Address Breakdown
Residential
742
Single Family
742
Multi-Family
0
Businesses
303
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CRMLS
Mls ID: #OC26070463